17971

543066

SBICARD

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SBI CARDS & PAY SER LTD Share Price Update

As of the latest trading session, SBI CARDS & PAY SER LTD is trading at ₹620.2, up by ₹0.00 or 0.00% from its previous close. The stock has moved between ₹616.60 and ₹628.05 today. Over the past year, the stock has delivered a return of -31.32%. In the last month, it has returned -8.76%.

SBI CARDS & PAY SER LTD performance

Today’s low Today’s high
₹ 616.60 ₹ 628.05
₹ 620.20
52 week low 52 week high
₹ 612.10 ₹ 1027.25
₹ 620.20
Open Price ₹ 619.60
Prev. Close ₹ 620.20
Volume (Shares) 580756.00
Total traded value ₹ 3601.84
Upper Circuit ₹ 682.20
Lower Circuit ₹ 558.20
info

Investment Returns

Over 1 Month -8.76% Over 3 Months -20.91% Over 6 Months -29.36% Over 1 Year -31.32%
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SBI CARDS & PAY SER LTD fundamentals


  • Market cap (Cr) 59,018.60
  • P/E Ratio (TTM) 27.24
  • Beta 1.11
  • Book Value / share 165.25
  • Return on equity 14.82%
  • EPS (TTM) 22.77
  • Dividend yield 0.40%
  • Net profit/quarter (Cr) 609.30
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  • Market cap (Cr) 59,247.00
  • P/E Ratio (TTM) 27.24
  • Beta 1.03
  • Book Value / share 165.25
  • Return on equity 14.82%
  • EPS (TTM) 22.77
  • Dividend yield 0.40%
  • Net profit/quarter (Cr) 609.30
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SBI CARDS & PAY SER LTD Financials

  • Key Results
  • Key Ratios
  • Balance sheet
  • Cash Flow
  • Competition
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Revenue
Net income
Particulars MAR 2026 (Values in Cr)
Revenue 4934.50
Operating Expense 5084.75
Net Profit 609.30
Net Profit Margin (%) 12.34
Earnings Per Share (EPS) 6.40
EBITDA 1561.85
Effective Tax Rate (%) 25.32
Particulars DEC 2025 (Values in Cr)
Revenue 5127.26
Operating Expense 5389.38
Net Profit 556.64
Net Profit Margin (%) 10.85
Earnings Per Share (EPS) 5.85
EBITDA 1568.06
Effective Tax Rate (%) 25.69
Particulars SEP 2025 (Values in Cr)
Revenue 4960.98
Operating Expense 5296.78
Net Profit 444.77
Net Profit Margin (%) 8.96
Earnings Per Share (EPS) 4.67
EBITDA 1394.85
Effective Tax Rate (%) 25.84
Particulars JUN 2025 (Values in Cr)
Revenue 4876.92
Operating Expense 5099.84
Net Profit 555.96
Net Profit Margin (%) 11.39
Earnings Per Share (EPS) 5.84
EBITDA 1596.21
Effective Tax Rate (%) 25.70
Particulars MAR 2025 (Values in Cr)
Revenue 4673.95
Operating Expense 4908.47
Net Profit 534.18
Net Profit Margin (%) 11.42
Earnings Per Share (EPS) 5.62
EBITDA 1512.10
Effective Tax Rate (%) 25.65
Particulars MAR 2026 (Values in Cr)
Revenue 19899.63
Operating Expense 20866.01
Net Profit 2166.71
Net Profit Margin (%) 10.88
Earnings Per Share (EPS) 22.77
EBITDA 6121.02
Effective Tax Rate (%) 25.62
Particulars MAR 2025 (Values in Cr)
Revenue 18072.22
Operating Expense 19234.87
Net Profit 1916.41
Net Profit Margin (%) 10.60
Earnings Per Share (EPS) 20.15
EBITDA 5905.90
Effective Tax Rate (%) 25.74
Particulars MAR 2024 (Values in Cr)
Revenue 16968.42
Operating Expense 16846.92
Net Profit 2407.88
Net Profit Margin (%) 14.19
Earnings Per Share (EPS) 25.39
EBITDA 6023.77
Effective Tax Rate (%) 25.49
Particulars MAR 2023 (Values in Cr)
Revenue 13666.64
Operating Expense 12902.73
Net Profit 2258.47
Net Profit Margin (%) 16.52
Earnings Per Share (EPS) 23.92
EBITDA 4842.01
Effective Tax Rate (%) 25.47
Particulars MAR 2022 (Values in Cr)
Revenue 10677.27
Operating Expense 10156.68
Net Profit 1616.14
Net Profit Margin (%) 15.13
Earnings Per Share (EPS) 17.16
EBITDA 3348.03
Effective Tax Rate (%) 25.59
Particulars MAR 2025 (Values in Cr)
Book Value / Share 144.86
ROE % 14.82
ROCE % 10.40
Total Debt to Total Equity 3.28
EBITDA Margin 31.69
Particulars MAR 2024 (Values in Cr)
Book Value / Share 127.07
ROE % 21.98
ROCE % 12.54
Total Debt to Total Equity 3.24
EBITDA Margin 34.45
Particulars MAR 2023 (Values in Cr)
Book Value / Share 103.90
ROE % 25.69
ROCE % 13.05
Total Debt to Total Equity 3.08
EBITDA Margin 33.89
Particulars MAR 2022 (Values in Cr)
Book Value / Share 82.20
ROE % 23.00
ROCE % 11.65
Total Debt to Total Equity 2.91
EBITDA Margin 29.62
Particulars MAR 2021 (Values in Cr)
Book Value / Share 66.97
ROE % 16.91
ROCE % 10.05
Total Debt to Total Equity 3.05
EBITDA Margin 25.64
Particulars MAR 2025 (Values in Cr)
Cash & Short Term Investments 2738.19
Total Assets 65545.80
Total Liabilities 65545.80
Total Equity 13781.72
Share Outstanding 95
Price to Book Ratio 6.09
Return on Assets (%) 2.92
Return on Capital (%) 3.26
Particulars MAR 2024 (Values in Cr)
Cash & Short Term Investments 2729.62
Total Assets 58171.23
Total Liabilities 58171.23
Total Equity 12084.03
Share Outstanding 95
Price to Book Ratio 5.37
Return on Assets (%) 4.13
Return on Capital (%) 4.63
Particulars MAR 2023 (Values in Cr)
Cash & Short Term Investments 1354.47
Total Assets 45545.56
Total Liabilities 45545.56
Total Equity 9830.06
Share Outstanding 94
Price to Book Ratio 7.12
Return on Assets (%) 4.95
Return on Capital (%) 5.52
Particulars MAR 2022 (Values in Cr)
Cash & Short Term Investments 1106.39
Total Assets 34648.43
Total Liabilities 34648.43
Total Equity 7752.70
Share Outstanding 94
Price to Book Ratio 10.36
Return on Assets (%) 4.66
Return on Capital (%) 5.26
Particulars MAR 2021 (Values in Cr)
Cash & Short Term Investments 720.10
Total Assets 27012.86
Total Liabilities 27012.86
Total Equity 6302.03
Share Outstanding 94
Price to Book Ratio 13.88
Return on Assets (%) 3.64
Return on Capital (%) 4.07
Particulars MAR 2025 (Values in Cr)
Net Income 2580.68
Cash from Operations 1766.48
Cash from Investing -2490.57
Cash from Financing 4686.51
Net change in Cash 55.48
Free Cash Flow 1822.24
Particulars MAR 2024 (Values in Cr)
Net Income 3231.80
Cash from Operations -2113.24
Cash from Investing -1254.93
Cash from Financing 8400.58
Net change in Cash 1492.27
Free Cash Flow -2038.74
Particulars MAR 2023 (Values in Cr)
Net Income 3030.57
Cash from Operations -4322.16
Cash from Investing -921.44
Cash from Financing 7823.58
Net change in Cash 231.63
Free Cash Flow -4228.76
Particulars MAR 2022 (Values in Cr)
Net Income 2172.16
Cash from Operations -2993.12
Cash from Investing -538.12
Cash from Financing 5044.54
Net change in Cash 114.96
Free Cash Flow -2893.20
Particulars MAR 2021 (Values in Cr)
Net Income 1323.73
Cash from Operations 2271.45
Cash from Investing -996.78
Cash from Financing 431.75
Net change in Cash 127.29
Free Cash Flow 2328.39
Company Name Price P/E P/B Market Cap 52 Week Low 52 Week High
ALFRED HERBERT (INDIA) LTD. 2801.55 6.87 0.38 215.72 2016.00 3974.00
BAJAJ HOLDINGS & INVESTMENT LT 10386.55 14.17 1.58 115591.91 8597.50 14873.20
TATA INVESTMENT CORP LTD 668.45 78.00 1.15 33820.43 538.70 1184.00
Naperol Investments Limited 1437.10 23.31 0.90 825.90 801.00 2041.00
RANE HOLDINGS LTD. 1406.80 24.33 1.74 2008.91 982.05 1835.00
Company Name Price P/E P/B Market Cap 52 Week Low 52 Week High
ALFRED HERBERT (INDIA) LTD. 2801.55 6.92 0.39 215.72 2016.00 3974.00
ARAVALI SECURITIES & FINANCE L 3.99 0.00 -5.49 6.04 3.45 6.54
BAJAJ HOLDINGS & INVESTMENT LT 10386.55 40.76 4.23 115591.91 8597.50 14873.20
GKW LIMITED 1658.00 139.21 2.58 989.83 1375.00 2262.00

SBI CARDS & PAY SER LTD shareholding pattern

Holding
3.41%
68.92%
9.53%
18.12%
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SBI CARDS & PAY SER LTD Technicals Summary

  • EMA & SMA
  • Resistance and Support
  • Delivery and Volume
  • Beta
  • Price Change Analysis
620.20 0.00 redarrow
red-green-graph indicator
16 Bearish
0 Bullish
  • 5 Days 624.50
  • 26 Days 646.90
  • 10 Days 630.00
  • 50 Days 672.30
  • 12 Days 632.20
  • 100 Days 719.30
  • 20 Days 640.80
  • 200 Days 767.00
623.45 PIVOT
First Support 613.20 First Resistance 630.45 Second Support 606.20 Second Resistance 640.70 Third Support 595.95 Third Resistance 647.70
RSI 32.42 ADX 36.82 MACD -14.65 Williams % R -83.09 Commodity Channel Index (CCI) -96.55
Date 2026-05-21 Week 399968.00 Same Day 803215.00 Month 746336.00
1 Year 1.12 3 Year 0.82
Over 1 Month
-8.76% down
Over 1 Year
-31.32% down
Over 3 Months
-20.91% down
Over 3 Years
-11.27% down
Over 6 Months
-29.36% down
Over 5 Years
-10.23% down

SBI CARDS & PAY SER LTD Corporate Actions

Dividend date Dividend amount Dividend type Record date Instrument type
11 Mar 2026 2.5 Interim 11 Mar 2026 Equity shares
25 Feb 2025 2.5 Interim 25 Feb 2025 Equity shares
28 Mar 2024 2.5 Interim 28 Mar 2024 Equity shares
29 Mar 2023 2.5 Interim 29 Mar 2023 Equity shares
30 Mar 2022 2.5 Interim 31 Mar 2022 Equity shares
15 May 2020 1.0 Interim 18 May 2020 Equity shares
Dividend date Dividend amount Dividend type Record date Instrument type
11 Mar 2026 2.5 Interim 11 Mar 2026 Equity shares
25 Feb 2025 2.5 Interim 25 Feb 2025 Equity shares
28 Mar 2024 2.5 Interim 28 Mar 2024 Equity shares
29 Mar 2023 2.5 Interim 29 Mar 2023 Equity shares
30 Mar 2022 2.5 Interim 31 Mar 2022 Equity shares
15 May 2020 1.0 Interim 18 May 2020 Equity shares

Top Gainers

Top Losers

SBI Cards And Payments Share Results Highlight

Revenue came in at ₹4,877 crore in Q1 FY25-26, compared with ₹4,359 crore in Q1 FY24-25. Financing profit stood at ₹625 crore in Q1 FY25-26 versus ₹725 crore in Q1 FY24-25, while the financing margin softened to 13% from 17%. Net profit was ₹556 crore in Q1 FY25-26 compared with ₹594 crore in Q1 FY24-25. These figures capture the company’s quarterly performance and year-on-year movement.

Date Source: screener.in, and corporate filings on NSE/BSE

SBI Cards And Payments Share Annual Reports

SBI’s Revenue for FY25 stood at ₹18,074 crore, compared with ₹16,986 crore in FY24. Financing profit came in at ₹2,164 crore in FY24-25 versus ₹2,931 crore in FY23-24, with the financing margin at 12% in FY24-25 against 17% in FY23-24. Net profit was ₹1,916 crore in FY24-25 compared with ₹2,408 crore in FY23-24. 

Date Source: screener.in, and corporate filings on NSE/BSE

SBI Cards And Payments Share Dividend

The company declared an interim dividend of ₹2.50 per share with an ex-date of 25 February 2025, same as ₹2.50 per share announced on 28 March 2024. In March 2023 and March 2022, the payout was also ₹2.50 per share. Earlier, in May 2020, the interim dividend stood at Re 1 per share. These figures highlight the company’s dividend history and annual distribution.

Date Source: screener.in, and corporate filings on NSE/BSE

SBI CARDS & PAY SER LTD Share Price

SBI Cards and Payment Services Limited was incorporated as a private limited Company with the name 'SBI Cards and Payment Services Private Limited' on May 15, 1998 in New Delhi. On the conversion of Company to a public Limited Company, the name was changed to, 'SBI Cards and Payment Services Limited' on August 20, 2019. The Company is engaged in the business of issuing credit cards to consumers. It also acts as corporate insurance agent for selling insurance policies to credit card customers. State Bank of India is having a holding of 68.63% as at March 31, 2025.

The Company is a subsidiary of State Bank of India (SBI) and is the second largest credit card issuer in the country. With more than 1.68 crore cards in force, the Company offer financial access through wide range of value-added payment products and services that fulfill transactional and credit requirements. It focus on delivering a diverse portfolio of credit cards, which support cashless and contactless digital payments in India while ensuring safety and transparency of transactions.

The Company started its operations in 1998, and since then SBI's parentage and highly trusted brand have allowed it to quickly establish a reputation of trust, reliability and transparency with its cardholders. According to the RBI, the company has grown its business faster than the Indian credit card market over the past three years both in terms of numbers of credit cards outstanding and amounts of credit card spends, and the company believes it has achieved this by leveraging its strength and capitalizing on India's favourable economic and demographic changes, including its strong macroeconomic performance, rising affluence, increasing consumer demand, rapid urbanization and the growth of e-commerce platforms. From March 31, 2017 to March 31, 2019 its total credit card spends grew at a 54.2% CAGR (as compared to a 35.6% CAGR for the overall credit card industry, according to the RBI) and the number of its credit cards outstanding grew at a 34.5% CAGR (as compared to a 25.6% CAGR for the overall credit card industry, according to the RBI).

SBI Cards has a broad credit card portfolio that includes SBI Card-branded credit cards as well as co-branded credit cards that bear both the SBI Card brand and its co-brand partners' brands. The Company offers four primary SBI Card branded credit cards: SimplySave, SimplyClick, Prime and Elite, each catering to a varying set of cardholder needs. The Company is also the largest co-brand credit card issuer in India according to the CRISIL Report, and it has partnerships with several major players in the travel, fuel, fashion, healthcare and mobility industries, including Air India, Apollo Hospitals, BPCL, Etihad Guest, Fbb, IRCTC, OLA Money and Yatra, among others. The Credit cards portfolio is tailored to meet a diverse range of cardholder needs across the entire spectrum of its cardholders' income profiles and lifestyles, from the 'premium' cardholder category to the 'affluent', 'mass affluent', 'mass' and 'new to credit' categories. The Company issues its credit cards in partnership with the Visa, MasterCard and RuPay payment networks, and it is continuously looking to expand its payment network partnerships to broaden the reach and functionality of its credit card offerings.

SBI Cards has a diversified customer acquisition network that enables it to engage prospective customers across multiple channels. The Company deploys a sales force of 32,677 outsourced sales personnel as of December 31, 2019 operating out of 145 Indian cities and which engages prospective customers through multiple channels, including physical points of sale in bank branches, retail stores, malls, fuel stations, railway stations, airports, corporate parks and offices, as well as through tele-sales, online channels, email, SMS marketing and mobile applications. The Company is the leading player in open market customer acquisition in India according to the CRISIL Report. SBI Cards had a presence in 3,190 open market points of sale across India as of December 31, 2019. In addition, its partnership with SBI provides access to SBI's extensive network of 21,961 branches across India, which enables it to market their credit cards to SBI's vast customer base of 445.5 million customers as of December 31, 2019. Its extensive physical customer acquisition network is complemented by its digital sales and marketing capabilities which include their website, mobile application and online, email and SMS marketing platforms.

SBI Card sourced 34.1 lakh new accounts in FY 2020. It launched 8 new products across diverse categories and segments such as Lifestyle Home Centre, Max, Spar SBI Card, Club Vistara SBI Card, Central Bank of India SBI Card, City Union Bank SBI Card, Shaurya SBI Card, SBI Card Vyapaar Unnati, Ola Money SBI Card and IRCTC SBI Card Premier. It started issuing RuPay denominated card from September 2019 with the launch of Shaurya Cards. It engaged with leading merchant partners across categories from apparel, consumer durables to online shopping, healthcare, utility bill payments to provide value to cardholders on transacting with SBI Card.

In FY20, in line with Hon'ble NCLT Order dated June 04, 2019, erstwhile SBI Business Process Management Services Pvt. Ltd (SBIBPMSL) amalgamated with SBI Cards and Payment Services Limited from the appointed date i.e. April 1, 2018. Pursuant to said Amalgamation, the Company allotted 9,51,12,054 fully paid equity shares of Rs. 10 each to the shareholders of erstwhile SBIBPMSL.

In FY 2021, the Company launched BPCL SBI Card OCTANE, a premium version of the existing card. It also launched AURUM in a superior
premium segment card, targeted at CXO's. It sourced 26.9 Lac new accounts in FY21. It launched IRCTC SBI Card on RuPay platform, Delhi Metro SBI Card, Paytm SBI Card, SBI Elite and Prime Amex-SBI Card. It partnered with American Express (AMEX network to issue credit cards on their payment network.

In FY 2022, the Company launched Nature's Basket SBI Card, SBI Card PULSE, Aditya Birla SBI Card, SBI Card SPRINT and Fabindia SBI Card. It sourced 35.72 lacs new accounts to reach 1.38 Crore in FY 2022. Apart from this, it focused on digital acquisition channels for sourcing of new accounts.

During FY2023, the Company introduced 52.02 lakh new accounts. The Company launched three card variants comprising of CASHBACK SBI Card, Aditya Birla SBI Card and Punjab & Sind Bank (PSB) SBI Card.

In 2024, Company launched Reliance SBI Card and Titan SBI Card. In FY 2023-24, SBI Card launched numerous features and functionality updates to simplify servicing, enhance customer experience, increase engagement, and drive transactions. Some key implementations include - Overhauling the UI redesigns and enhancement of customer journeys on the 30+ features of the SBI Card App, integration on new
Insurance cross-sell product, development of retention tools in the card closure journey to retain customers, addition of instant gift voucher purchase option, creation of app notifications center, DigiLocker integration for KYC renewal and Address change process, enable UPI on RuPay cards. The Company further has launched SBI Card MILES, the first travel core credit card in the portfolio. In FY 2025, it has extended SBI Card SPRINT to YONO and internet banking of SBI too. 43.6 lakh new accounts have opened in FY 2025.

Parent organization Government of India - SBI
NSE symbol SBICARD
Founded 1998
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Frequently Asked Questions

What is the Current Share Price of SBI Cards & Payment Services Ltd?

Answer Field

SBI Cards & Payment Services Ltd share price is for NSE ₹ 620.20 & for BSE ₹ 622.60 as on May 22 2026 03:30 PM.

What is the Market Cap of SBI Cards & Payment Services Ltd Share?

Answer Field

The market cap of SBI Cards & Payment Services Ltd for NSE ₹ 59,018.60 & for BSE ₹ 0.00 as on May 22 2026 03:30 PM.

What is the 52 Week High and Low of SBI Cards & Payment Services Ltd?

Answer Field

The 52 Week High and Low of SBI Cards & Payment Services Ltd for NSE is ₹ 1,027.25 and ₹ 612.10 and for BSE is ₹ 1,023.05 and ₹ 612.50.

What is 1 year return for SBI Cards & Payment Services Ltd?

Answer Field

The 1 year returns on the stock has been -31.32%.

What is the P/E Ratio of SBI Cards & Payment Services Ltd Share?

Answer Field

As on May 22 2026 03:30 PM the price-to-earnings (PE) ratio for SBI Cards & Payment Services Ltd share is 27.24.

What is the PB ratio of SBI Cards & Payment Services Ltd Share?

Answer Field

As on May 22 2026 03:30 PM, the price-to-book (PB) ratio for SBI Cards & Payment Services Ltd share is 165.25.

How to Buy SBI Cards & Payment Services Ltd Share?

Answer Field

You can trade in SBI Cards & Payment Services Ltd shares with Bajaj Broking by opening a demat account.

How to Buy SBI Cards & Payment Services Ltd Share on Bajaj Broking App?

Answer Field

To buy SBI Cards & Payment Services Ltd shares on the Bajaj Broking app, follow these steps:

• Login to the Bajaj Broking App

• Click on the Search Icon

• Search “SBI Cards & Payment Services Ltd”

• Click on the BUY icon

• Place a buy order specifying the desired quantity of shares.

• Click BUY again to complete the purchase

Who is the CEO of SBI Cards & Payment Services Ltd?

Answer Field

SBI Cards & Payment Services Ltd appointed Abhijit Chakravorty as CEO on 12 Aug 2023. He is responsible for steering the company's strategic direction, managing key operations, and enhancing shareholder value through a customer-focused approach and innovative financial products.

When was SBI Cards & Payment Services Ltd established?

Answer Field

SBI Cards & Payment Services Ltd was established in 1998 with a focus on offering credit card issuance and comprehensive payment services across India, quickly becoming one of the prominent credit card providers, backed by the State Bank of India’s extensive network.

What factors influence the SBI card share price?

Answer Field

The SBI card share price is primarily influenced by financial performance, broader economic conditions, market trends, and investor sentiment. Additionally, changes in credit card usage patterns and regulatory impacts on the finance sector can significantly affect the share’s market value.

Is SBI Cards & Payment Services Ltd debt-free?

Answer Field

SBI Cards & Payment Services Ltd is not debt-free. It leverages strategic debt to finance its operational needs and support growth objectives, managing it effectively to ensure sustainable expansion and maintaining a balanced capital structure for long-term stability.

What is the CAGR of SBI Card Share?

Answer Field

The CAGR of SBI Card Share has shown a recent decline, with a 3-year CAGR of -14% and a 1-year CAGR of -8%, reflecting the impacts of market conditions and company-specific challenges affecting the stock’s growth trajectory.

How has the SBI card share price performed over the past year?

Answer Field

Over the past year, the SBI card share price has faced downward pressure, influenced by economic shifts, fluctuations in investor sentiment, and evolving industry trends, highlighting the challenges faced by the company in maintaining share value.

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